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Flex Card for Seniors

medicare flex card
06/07/2022
  • Medicare with Melissa

What is the flex card for seniors on Medicare?

The Medicare Flex Card is a credit/debit card that can be used to pay for Medicare-covered expenses. It can be used at any health care provider that accepts Medicare, including hospitals, doctor’s offices, and pharmacies.

Use the card to pay for health care services not covered by Medicare, such as dental, vision and hearing care. The Medicare Flex Card is not an insurance policy, and it does not replace Medicare coverage.

Medicare Flex Cards for seniors are only available on certain Medicare Advantage Plans. Flex cards are not administered by the Federal Government and are not considered insurance. Medicare Flex cards do not replace Original Medicare.

Flex Card Benefits

The flex card provided by your insurance company can have different benefits and/or restrictions depending on the plan you choose. Some plans come with as much $2,880 per year (in 2022, the average was $500).

Remember, not every plan offers a flex card and some cards are intended for food use only (such as the Humana Healthy Foods Card). Below are just some of the examples of the Medicare Flex Card.

  • Visit in-network and out-of-network providers
  • Pays for durable medical equipment
  • Copays and Coinsurance covered
  • Prescriptions and over-the-counter items
  • Pays for dental, vision and hearing costs with no out-of-pocket costs to you*
  • Upgrade your plan offering on items like dentures, eyeglasses, and hearing support devices and more!

Medicare Flex Card Eligibility

To be eligible for the Medicare flex card, you must be enrolled in a Medicare Advantage plan that includes this benefit.

Do not assume that because you are eligible for Medicare that you’re also eligible for a Medicare flex card.

Do not share personal information if someone calls you about a Medicare flex card.

If you have questions about your current plan or would like to speak with a licensed agent about plans that offer the senior flex card, call us today at 866-633-4427. You can also click here to schedule your appointment.

How to Apply for a Flex Card

If you are interested in getting a Medicare Flex Card, you will need to speak with one of our licensed insurance agents. Applying for a flex card is not the same as applying for Medicare.

Our team will compare plans and identify if any are in your area that offer the Medicare flex card program.

Regardless, we will still be sure to explain all plan options in the area to ensure you are choosing the plan that best suits your needs.

Remember, just because a plan offers the Flex Card, doesn’t mean it is the best plan for everyone. You will want to ensure your prescriptions are covered and your physicians accept the plan (When possible).

Compare Medicare Advantage Plans Today (Find your flex card)!

We make it easy to find a Medicare Advantage Plan with a flex card for seniors.

  1. Click Compare Medicare Advantage Plans Online without the help of an agent. First, you will enter your zip code for plan availability. Then, you will have the option to enter your medications and physician to ensure everything is covered on the plan. Or, simply enter your zip code and go start shopping!
  2. Call and speak with an agent today, our phone number is 866-633-4427. You can expect to spend about 10 minutes on the phone while our agents will ask questions to help determine plan availability and eligibility.
  3. Schedule your appointment at a time more convenient for you and an agent will call you back at the schedule time.

Flex Card Frequently Asked Questions

Are flex cards available with Medicare Supplement Plans?

Flex cards for seniors are not offered with Medicare Supplement Plans. While that could change, you can currently only get the flex card on certain Medicare Advantage Plans.

What is a flex card for seniors on Medicare?

The flex card is a pre-loaded debit card that will pay for Medicare covered services and non-covered (such as dental, vision and hearing).

What are the benefits of a Medicare flex card?

Medicare flex cards will help reduce the out-of-pocket cost with the member by helping pay for certain services, tests/exams and other medical supplies.

Is the flex card for seniors legit?

Yes, the flex card is legit. But, always be aware of scammers and do not share your personal information with anyone calling you and offering a Medicare flex card.

Remember, a flex card for seniors is only available on certain Medicare Advantage plans. Be sure to speak with a licensed agent to confirm if a plan in your area has the Medicare flex card program.

Does Medicare have a flex card for Seniors?

Medicare does not administer a cash card (flex card). The only way to get a flex card for seniors is to enroll in a Medicare Advantage plan that includes the flex card benefits.

Does Medicare offer a health food allowance?

No, Medicare does not offer a health food allowance. However, there are some Medicare Advantage plans, such as the Humana Healthy Foods Card that helps pay for certain grocery items like, milk, eggs, yogurt and much more!

A dual-special needs plan is designed for someone that has Medicare and Medicaid and can provide additional benefits other plans may not offer.

Does Medicare pay for groceries?

Medicare only covers medical-related expenses. So, until further notice, groceries are not paid for by Medicare.

What is OTC card?

OTC stands for “Over-the-counter”, a term often used when referring to medical items being available without needing a prescription from a physician.

Some Medicare Advantage Plans include benefits in that provide cash allowance to the member for items purchased over the counter.

On some plans there are over 90,000 eligible items that member can take advantage of, such as: Toothpaste, Headache/Fever reducer, allergy medication, diabetic testing supplies and much more!

What is the Humana Health Foods Card?

The Humana Healthy Foods card is a benefit on certain dual-special needs plans only (Medicare Advantage Plans).

Your Humana Healthy Foods card can be used at participating stores on eligible food purchases such as: Juice, Fruit, Vegetable, Milk and much more.

The allowance is reloaded every month for the member.

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.

-Melissa

Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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